Debit Order Rules

PASA and the Reserve Bank have set up Debit Order Rules for EFT Debit Orders that ensure best business practice and to protect bank account holders. These rules dictate the amount of times a RD can occur on a specific account holder's account before a new mandate must be obtained.

MyGate's Debit Order System monitors these rules for you and in the event that a debit order is submitted outside of these rules the debit order is not processed and stored in "blocked accounts" menu item for you to review.

In order to unblock these accounts so that you can submit a debit order against them you will be required to obtain a new mandate from the client and delete the blocked account from within the menu.

Accounts will be blocked for the following reasons:

1. When a debit order is returned with "stop payment" no further debit orders can be processed to that client until a new debit order mandate has been obtained. In order for a "stop payment" to occur, the client has instructed the bank to not allow any further debit order from the User.
2. When a debit order is returned with "account closed" the user is no longer allowed to process a debit order to that account as the account is deemed to be closed.
3. If a debit order is returned twice in a row with "not provided for" or due to insufficient funds, no further debit order can be processed to that client until a new debit order mandate has been obtained.